Mortgage Lenders in North Carolina: Fee & Closing Cost Rankings
10 mortgage lenders in North Carolina have verified fee reports on FairPriceCheck. The median average closing cost across North Carolina lenders is $6,622, and 2 lenders hold an A grade — meaning median closing costs at least 10% below the state average.
Lenders ranked by fee grade in North Carolina
| Lender | State grade | Avg closing costs | % junk fees | National grade |
|---|---|---|---|---|
| Navy Federal Credit Union 28 reports | A | $5,780 | 0% | A |
| United Wholesale Mortgage 27 reports | A | $5,903 | 0% | A |
| Pennymac 29 reports | B | $6,093 | 0% | A |
| Fairway Independent Mortgage 25 reports | B | $5,979 | 0% | A |
| Guaranteed Rate 30 reports | C | $7,162 | 0% | A |
| Bank of America 29 reports | C | $6,989 | 0% | A |
| JPMorgan Chase Bank 26 reports | C | $6,513 | 0% | A |
| Wells Fargo Home Mortgage 25 reports | C | $6,730 | 0% | A |
| Rocket Mortgage 27 reports | D | $7,333 | 0% | A |
| loanDepot 25 reports | D | $7,879 | 0% | A |
North Carolina market context
For 2024 HMDA origination data on all lenders in North Carolina, see our North Carolina Market Rankings →
Closing cost details, fee benchmarks, and county comparisons for North Carolina → North Carolina Closing Costs Guide
Shopping North Carolina lenders?
Upload your Loan Estimate and Fair Loan Check flags inflated fees, benchmarks your rate, and gives you a ready-to-send negotiation email — in about 60 seconds.
- Quick Check $19— top 3 overcharges & savings estimate
- Full Report $39 — line-by-line audit, rate analysis, negotiation email
More in the directory
- All lenders
- North Carolina HMDA market rankings
- Guaranteed Rate · Grade C
- Pennymac · Grade B
- Bank of America · Grade C
- Navy Federal Credit Union · Grade A
- United Wholesale Mortgage · Grade A
- Rocket Mortgage · Grade D
- JPMorgan Chase Bank · Grade C
- Wells Fargo Home Mortgage · Grade C
- Fairway Independent Mortgage · Grade B
- loanDepot · Grade D
Grades based on verified homebuyer-submitted fee reports. Informational only; not legal or financial advice.